Let's assume you're not a scammer, and I'll walk through an example.
Let's say I have 2,000,000 XPY. Let's say XPY = .002 BTC today.
So, I send you 1,000,000 XPY and get 2,000 BTC.
Then, I sell 1,000,000 XPY on the market, which sends the price to .... well, practically to zero. Let's be generous and say that there's a million for sale around .00001 BTC.
Then I take 10 BTC, buy 1,000,000 XPY from desperate people, and pay back the loan.
You're out 1,990 BTC. I'm 1,990 BTC richer.
In a shallow market, how can you possibly avoid losing money?
1. You do not send me any XPY. You just authorize for your XPY to be locked from getting sold until loan is paid off.
2. You don't pay back with XPY. You borrow BTC, you pay back BTC. XPY is there only as a security blanket in case you don't pay.
Why would you go thru all that trouble. You can just got to BTCJam and run with anyone's 10 BTC.
Remember at BTCLend you will get verified before you take a loan. Again, We aim to protect investors. Its a peer to peer lending business.
You are stuck in XPY, XPY is distracting your view of BTCLend. It isjust a variable to be used or not used.
1. You obviously can not read or comprehend English, and quite possibly have problems understanding 1+1 mathematically. Bumpershot said he started with TWO million XPY and used ONE of them for collateral on a loan and then used the OTHER to manipulate the market. There is an easy way to PUMP the price of XPY using the second million (10,000 is actually plenty) to get an inflated loan amount instead of the method Bumpershot suggested. Your lack of understanding of basic market functions is astounding and in my opinion makes you
completely unqualified to run a financial company. This does not have to be huge numbers like this either, you can manipulate the price of XPY with just a few thousand dollars, so this scenario scales down to the realm where you are presumably lending.
2. You do not seem to understand the concept of COLLATERAL. When you accept collateral, that property becomes YOUR property until the terms of the loan are met. Not paying the loan back and forfeiting the collateral is simply an option given to the borrower, and in this case it is obviously the best decision to keep the
BTC and and let you (the SUCKER) keep the XPY that has dropped in value over the life of the loan. Then there is the spectre of the MILLIONS of XPY that people have and can not dump into markets without trashing the XPY price. What you are doing is offering a way to trade them for
BTC at top market value (which they can pump up before the loan), in other words it is
STUPID not intelligent.
There are so many ways to take advantage of your stupidity and total lack of understanding of how Loans,Markets, Crypto, and the scam that is Paycoin in particular, works it is hard to figure out which is most likely to occur first, but I have no doubt that others will demonstrate them to you and your "investors" in short order.
smh 
